No one seems to have mentioned one very good reason for a teenager to have some sort of monthly bill - so that she can practice bill paying habits.In this case a credit card is an excellent tool, because late payments cost!I think a card for emergencies is a separate issue. Personally my dad wouldn't let me out of the house without "enough cash", but I also had one of their credit cards as an authorized user that I could use in case of emergencies (tow truck, etc).-Megan
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